Page 19 - 2019 Heico Core Benefits Guide
P. 19
2019 | The Heico Companies Enrollment Guide
Frequently Asked Questions
Healthcare
QUESTION ANSWER
What is coinsurance? Once your deductible has been satisfied, the coinsurance is your share of the cost of covered healthcare
services or supplies, expressed as a percentage�
How are deductibles and out-of-pocket Generally speaking, during the calendar year, any expenses you pay towards your healthcare plan are first
maximums accumulated in the PPO plan? attributable to your deductible, and coinsurance once your deductible is met� The coinsurance you pay will
be applied to your out-of-pocket maximum amounts�
What if I use a provider that is not in the Under the BCBS plan, deductibles and coinsurance are higher when you visit an out-of-network provider�
BCBS network? Other out-of-pocket expenses might also result if the charge is over the “usual and customary” charge for the
services as determined by BCBS� Ultimately, YOU are responsible for taking the steps to determine whether
or not the healthcare providers you use are in the network� Be sure to always present your ID card to your
providers, and ask your providers to verify that they are/will remain in the network�
When do paycheck deductions begin for my The first pay period following the effective date of your benefits coverage�
elected benefits?
When will I receive my medical and dental You will receive your new ID card within 2-4 weeks of benefit enrollment� If you need one sooner, a
ID cards? temporary card can be printed by visiting www�bcbsil�com�
When are my benefits effective? Benefits begin the 1st of the month following 60 days of active employment, provided enrollment is
completed within 31 days of eligibility�
Do I need a vision card to utilize my A vision card is not necessary to use the insurance� Coverage will be looked up via your Social Security
vision insurance? number�
What should I do if I want to waive coverage? Complete your enrollment through UltiPro and decline all applicable benefits� Be sure to confirm your
elections before closing the event
Where can I go to find an in-network provider? Please go to www.bcbsil.com�
Who can I contact if I have questions about You may contact Health Advocate with questions about your benefits�
my benefits?
Preventive Care
QUESTION ANSWER
How do I make sure my scheduled preventive Prior to receiving preventive care benefits, discuss with your doctor and ask them to review the list of
care is paid for as a preventive benefit? preventive care benefits under your plan that are paid at 100%�
If I have a medical condition that has a No� Your benefit will be paid subject to the deductible and coinsurance under the plan�
preventive test, will benefits be paid at 100% for
preventive care services?
What if my doctor performs services at my The services that are on the preventive care list will be paid at the preventive level, and the remaining
annual physical not on the preventive list? services will be paid subject to your deductible and coinsurance�
What if I have a preventive test and my doctor Maybe� If the test is on the preventive care list and your doctor submits the claim with a preventive
finds something? Is the test still paid at the diagnosis, it will be paid under preventive benefits� Make sure you discuss your preventive benefits with the
preventive level? doctor prior to the procedure to make sure it is coded correctly�
If I had a physical in December of 2018 and Services from your October 2019 exam will be paid under the preventive care benefit as long as they occur
scheduled my next one for October 2019, will in a different plan year and your doctor codes them as preventive� The plan year runs from January 1 to
I have to wait until December or will my 2019 December 31�
physical be paid as preventive?
19
Frequently Asked Questions
Healthcare
QUESTION ANSWER
What is coinsurance? Once your deductible has been satisfied, the coinsurance is your share of the cost of covered healthcare
services or supplies, expressed as a percentage�
How are deductibles and out-of-pocket Generally speaking, during the calendar year, any expenses you pay towards your healthcare plan are first
maximums accumulated in the PPO plan? attributable to your deductible, and coinsurance once your deductible is met� The coinsurance you pay will
be applied to your out-of-pocket maximum amounts�
What if I use a provider that is not in the Under the BCBS plan, deductibles and coinsurance are higher when you visit an out-of-network provider�
BCBS network? Other out-of-pocket expenses might also result if the charge is over the “usual and customary” charge for the
services as determined by BCBS� Ultimately, YOU are responsible for taking the steps to determine whether
or not the healthcare providers you use are in the network� Be sure to always present your ID card to your
providers, and ask your providers to verify that they are/will remain in the network�
When do paycheck deductions begin for my The first pay period following the effective date of your benefits coverage�
elected benefits?
When will I receive my medical and dental You will receive your new ID card within 2-4 weeks of benefit enrollment� If you need one sooner, a
ID cards? temporary card can be printed by visiting www�bcbsil�com�
When are my benefits effective? Benefits begin the 1st of the month following 60 days of active employment, provided enrollment is
completed within 31 days of eligibility�
Do I need a vision card to utilize my A vision card is not necessary to use the insurance� Coverage will be looked up via your Social Security
vision insurance? number�
What should I do if I want to waive coverage? Complete your enrollment through UltiPro and decline all applicable benefits� Be sure to confirm your
elections before closing the event
Where can I go to find an in-network provider? Please go to www.bcbsil.com�
Who can I contact if I have questions about You may contact Health Advocate with questions about your benefits�
my benefits?
Preventive Care
QUESTION ANSWER
How do I make sure my scheduled preventive Prior to receiving preventive care benefits, discuss with your doctor and ask them to review the list of
care is paid for as a preventive benefit? preventive care benefits under your plan that are paid at 100%�
If I have a medical condition that has a No� Your benefit will be paid subject to the deductible and coinsurance under the plan�
preventive test, will benefits be paid at 100% for
preventive care services?
What if my doctor performs services at my The services that are on the preventive care list will be paid at the preventive level, and the remaining
annual physical not on the preventive list? services will be paid subject to your deductible and coinsurance�
What if I have a preventive test and my doctor Maybe� If the test is on the preventive care list and your doctor submits the claim with a preventive
finds something? Is the test still paid at the diagnosis, it will be paid under preventive benefits� Make sure you discuss your preventive benefits with the
preventive level? doctor prior to the procedure to make sure it is coded correctly�
If I had a physical in December of 2018 and Services from your October 2019 exam will be paid under the preventive care benefit as long as they occur
scheduled my next one for October 2019, will in a different plan year and your doctor codes them as preventive� The plan year runs from January 1 to
I have to wait until December or will my 2019 December 31�
physical be paid as preventive?
19
